Mobile device, chip card and method of communication

ABSTRACT

A mobile apparatus includes a removable SIM chip card having data-processing means intended among other things for storing identification data of a subscriber in a GSM mobile radio network. The mobile apparatus has additionally at least one wireless interface integrated in the housing. The interface may be infrared or inductive. By means of this interface, the SIM card can communicate directly, without making use of the mobile radio network, with an outside device in both directions. The chip card contains additionally a communication controller to encrypt data and transmit them via the interface. The contactless interface may preferably be fed independently of the mobile apparatus.

This application is the national phase of international applicationPCT/CH98/00036 filed Jan. 30, 1998.

FIELD OF THE INVENTION

The present invention relates to a mobile apparatus according to thecharacterizing clause of patent claim 1. In particular, the presentinvention relates to a mobile apparatus, for example a radio telephoneor a computer, having expanded communication possibilities.

BACKGROUND OF THE INVENTION

In mobile telephone networks, as for example in the GSM network (GlobalSystem for Mobile Communication) or in a UMTS network (Universal MobileTelecommunication System), the identity of the subscriber is stored in achip card, which is often called a SIM card (Subscriber IdentityModule), inserted in the mobile apparatus. The SIM card is removable sothat the user can receive the calls intended for him on the mobileapparatus of his choice by transferring the SIM card from one apparatusto another. Moreover, methods are known for loading the SIM card with asum of money in various ways, as well as for charging the telephonecommunication fees to that sum.

The SIM cards exist today in two standardized formats.

The “full-size” format corresponds to the size of a credit card, whilethe “plug-in” format, which is specially adapted to the miniaturizedportable telephones, is about 25 mm×10 mm in size. The functionalitiesof the cards having these two formats are identical.

The SIM cards generally contain data-processing means, usually a GSMmicrocontroller integrated in a chip. These processing means contain, onthe one hand, a zone having a read-write area and a secured memory areawhich allows the storing of programs and/or files, especially theidentification data of the subscriber who possesses the card, as well ascalculating and processing means capable of executing variousalgorithms, especially algorithms which permit the carrying-out of thesubscriber identification and of the communication encryption.

This architecture of the SIM cards is very “open” since various enhancedservices (VAS, Value-Added Services) have been considered which can takefull advantage of the functionalities of these cards. In particular,numerous services have been considered which use the memory available onthe SIM cards and/or the processing possibilities of the microcontrolleron the card for expanding the functionalities of the contactlesstelephones.

New data or new programs which are necessary for carrying out these newvalue-added services may generally be loaded on the card in one of thefollowing three ways:

-   -   1) by inserting the card in a suitable read-write device for        chip cards. The data originally loaded, i.e., before the card is        delivered to the customer, are generally loaded in this way.        Since suitable read-write devices are not available everywhere,        this method is applicable only to a limited extent for the        update or completion of the information already stored on the        card. Moreover, the SIM card must be withdrawn from the mobile        apparatus in order to insert it in another device, which is not        very practical, especially with the very small “plug-in” cards        which are not very practical to handle.    -   2) by keying in data directly on the keypad of the mobile        apparatus. By reason of the greatly reduced size of the keypads        normally used for mobile telephones, as well as the limited        number of keys, this solution is suitable only for entering very        brief data, for example for a password, a sum of money, or an        answer of the yes/no type during the running of the program by        the microcontroller of the card, but on no account for entering        complete programs on the SIM card.    -   3) The data and/or programs may be downloaded on the mobile        apparatus, for example with SMS (Short Message System) or USSD        (Unstructured Supplementary Service Data) short messages. Patent        document EP689368 in the name of the applicant describes        technology which makes possible the transmission of data and        programs to a mobile apparatus in a transparent manner and in        both directions. However, this type of transmission can take        place only from another apparatus connected to the mobile radio        network, for example from another mobile telephone. Data and        programs can also be downloaded as a component of JAVA applets.

Patent application WO 98/28900 in the name of the applicant describes amethod of ordering products or information by means of a mobile station.A code designating the product and its supplier must be entered in themobile station and is then transmitted to the product supplier togetherwith the subscriber's identification data in the form of short messagesover the mobile radio network. The product code must comprise a largenumber of alphanumerical characters so that the product and the productsupplier are unambiguously designated. Moreover, parity characters arenecessary in order to recognize or correct possible errors in theproduct code. None of the above-mentioned loading method proves to bereally suitable for entering these codes comfortably in the mobileapparatus.

Conversely, a certain number of new value-added services require thataccess may be had to the data or programs stored on a SIM card from anoutside device, for example from another telephone.

In patent application WO 96/25828, a method and a mobile apparatus aredescribed by means of which various types of applications can be run,one application of a first type being a passive application, while anapplication of a second type can control the master control unit of themobile apparatus. The mobile apparatus described in WO 96/25828comprises, in addition to the master control unit, a user interface, aradio module, an audio module, a feed module, and a connection unit forapplication modules which are executed as a chip card, which can alsocontain a SIM module, also a contactless interface, for instance aninfrared interface or an inductive interface, via which the mobileapparatus can exchange data, which may in particular also be stored inan application module, with an outside device, for instance anothermobile apparatus. The feed part described in WO 96/25828 comprisesbatteries, the charge status of which is monitored by the feed part, thefeed part informing the user of the mobile apparatus when the chargestatus of the batteries drops below a certain value. If the batteries ofthe mobile apparatus described in WO 96/25828 are discharged, however,no data transmission via the contactless inteface can be carried outwith an outside device.

SUMMARY OF THE INVENTION

It is consequently an object of the invention to propose a device and amethod for communication which are suitable for the two-way transmissionof data and programs to or from a chip card in a mobile apparatus.

It is a further object of the invention to propose a telecommunicationsystem which does not exhibit the inadequacies of the systems of theprior art.

In particular, the objects of the invention are achieved with the aid ofa mobile apparatus, for example with a GSM mobile radio telephone, whichhas at least one contactless interface making it possible for theprocessing means of the card inserted in the apparatus to communicatedirectly with an external device situated outside the mobile apparatus.

By means of this invention, mobile telecommunication networks can belinked with other networks or systems.

In a first embodiment of the invention, the contactless interface has atleast one infrared transceiver disposed on the housing of the mobileapparatus. Direct communication between the chip card and an outsidedevice then consequently takes place via this infrared interface.

In one embodiment of the invention, the contactless interface has atleast one coil integrated in the housing of the mobile apparatus. Directcommunication between the chip card and an outside device thenconsequently takes place via electromagnetic waves.

A communication controller disposed on the SIM card or in the housingmakes it possible to store data transmitted through this interfacedirectly on the SIM card.

Thus, data may be written on the chip card or read out from the cardthrough an outside device, for example another contactless telephone orany desired data-processing device.

The present invention likewise relates to various methods and serviceswhich may be applied by means of a mobile apparatus according to thepresent invention.

BRIEF DESCRIPTION OF THE DRAWINGS

The present invention is better understood with the aid of thedescription given by way of example and is illustrated by the enclosedfigures, which show the following:

FIG. 1 a diagrammatic and perspective view of a first embodiment of thesystem of the invention.

FIG. 2 a diagrammatic and perspective view of a second embodiment of thesystem of the invention.

Represented by reference numeral 1 is a mobile apparatus, for example aGSM mobile radio telephone or a portable computer having communicationpossibilities in a mobile radio network. The mobile apparatus has ahousing 18, a keypad 13, and a display 12. Besides normal number keys,the keypad 13 preferably contains at least one confirmation key 130 aswell as cursor control means 10.

The mobile apparatus 1 may be utilized in a conventional mobile radionetwork 4, for example a GSM network, in order to transmit languages anddata. The mobile apparatus 1 has a conventional receiving location forthe insertion of a removable identification card 2, for example a SIMcard 2 (Subscriber Identity Module) which identifies the user in thetelecommunication network 4. SIM cards are already utilized now in GSM,DCS, or PCS mobile apparatus, among other things, or also in futurefixed networks having subscriber identification by chip cards. The SIMcard may be either a full-size card or a plug-in card; it is connectedto the end apparatus 1 by a contact region 24 on the surface of thecard. Other card formats, as well as contactless SIM cards, may,however, likewise be used within the scope of this invention. The SIMcard 2 contains data-processing means, for example a known GSM-SIMmicrocontroller 20. SIM cards are described, for example, in thetechnical specification GSM 11.11 and GSM 11.14, which has beenobtainable since 1995 and 1996, respectively, from the Secretariat ofthe European Telecommunications Standards Institute, F-06921 SophiaAntipolis. Other identification cards, for example multi-purpose cardsknown by the term Opencard, may also be utilized in this invention.

The data-processing means 20 are intended among other things for storingidentification data of a subscriber of the said mobile radio network. Asidentification data, the IMSI (International Mobile SubscriberIdentity), the MSISDN (Mobile Station Identity Number), and/or the IDUI(International Debit User Identification) of the user of thetelecommunication network 4 may, for example, be used.

According to the invention, the mobile apparatus 1 contains at least oneadditional two-way interface such as, for example, an infrared interfacehaving an infrared transceiver 14 on the housing 18. By means of thisinterface, the mobile apparatus and an outside device 3 can exchangedata and programs with each other contactlessly and without making useof the mobile radio network 4.

The interface contains additionally an integrated communicationcontroller 16 to control the infrared LED diode 14 and to send andreceive data by means of this diode. The communication controller isresponsible, among other things, for the serial transmission protocol,for example RS232, over the interface 31. Moreover, the communicationcontroller has communication means for exchanging data with the GSMcontroller 20 on the chip card via the contact region 24. Thesecommunication means may, for example, comprise registers or memory areaswhich the GSM microcontroller 20 can access with special software bymeans of the contacts 24. Conversely, the communication means may alsocomprise software applications for reading and writing data in thememory area of the GSM controller 20. Data or programs can therebyeasily be transmitted between an outside device 3 and a memory areaaccessible to the GSM controller 20. Data from the outside device 3 may,for example, be downloaded on the chip card, and conversely, the outsidedevice 3 can directly use or access the data stored on the chip card 2without thereby having to use the mobile radio network 4.

The interface 14, 16 is preferably fed by an independent power storage17, for example by a storage battery or a capacitor. The interface canthereby also be used if the batteries of the mobile apparatus 1 aredischarged or if the mobile apparatus is switched off. Preferably,however, the interface may also be electrically supplied from the mainbattery of the mobile apparatus if it suffices.

Instead of the infrared transceiver 14, or preferably in addition tothis transceiver, the mobile apparatus in one modification containsanother two-way interface, in this case an antenna 15 integrated at theback of the housing 18. By means of this interface, the mobile apparatuscan likewise exchange data and programs inductively orelectromagnetically directly with an outside device 3′ without makinguse of the mobile radio network 4. As an antenna, a coil may forinstance be used, which may, for example, be made by winding of a wire,by printing or etching of a conductor film, or with strip lines.Depending on the application, a transmission frequency of, for instance,125 kHz, 13.56 MHz, 400 MHz, or 5.2 GHz is used, the applied frequencyalso being dependent on the data-transmission rate needed. A frequencyof about 13.56 MHz is preferred, however, in order to ensurecompatibility with bank applications. The antenna is integrated in thehousing in such a way that the absorption is kept as small as possibleand that a transmission with the chosen frequency is also possible.

The second interface 15 is preferably likewise controlled by thecommunication controller 16. If an infrared interface 14 and aninductive/electromagnetic interface 15 are both integrated in the samemobile apparatus 1, the same controller 16 is preferably responsible forboth interfaces. Data or programs may thereby be transmitted in bothdirections between an outside device 3 or 3′ and the processor 20 on thecard either via the infrared interface 14-31 or via theinductive/electromagnetic interface 15-31′, as will be explained indetail below.

If the mobile apparatus 1 according to the invention is used as anidentification means for an outside system 3′, for example as anelectronic doorkey, a copy of the identification stored in thecommunication controller 16 is preferably loaded into the secured areaof the SIM card 2, and an update mechanism is provided for updating theidentification stored in the controller 16 with the identification fromthe SIM card if the mobile apparatus is utilized with another SIM card.Thus, the SIM card can also be utilized as an identification means inanother apparatus after an update.

FIG. 2 shows another modification of the system according to theinvention, in which a communication controller 21 for the infraredand/or inductive/electromagnetic transceiver 14/15 is integrated in thechip card 2 instead of in the mobile apparatus 1. The communicationcontroller may, as in the first modification, activate the transceiver14/15 directly, this time via the contact region 24. An independentpower storage 26 for the communication controller and for thetransceiver 14/15 is preferably likewise integrated in the card 2 sothat the communication controller 21 can work independently of themobile apparatus 1 and of the GSM controller 20. The interface 15 andthe communication controller 16 or 21, respectively, may also besupplied with power from the outside device through the inductiveinterface 31′. In this case, the inductively transmitted power ispreferably stored in a storage capacitor 16/26 in the mobile apparatusor on the card.

The communication controller 21 preferably comprises only one integratedchip 21 which is connected directly to the conventional GSMmicrocontroller 20. This arrangement permits the use of standardmicrocontrollers 20, which are available at low prices, and to attach aspecific communication module thereto. The specialist will realize,however, that it is just as possible to integrate the communicationcontroller 21 in the same integrated circuit as the GSM microcontroller20.

The communication controller 21 or 16, respectively, may compriseencryption and signing means to decrypt received data and to encrypt andsign sent data. Thus, the connections through the infrared interface 31or 31′, respectively, can be secured. The TTP method (Trusted ThirdParty) or a point-to-point method (PTP) may, for instance, be utilizedas an encryption method.

In a preferred modification, the encryption and signing means areutilized to secure SMS or USSD messages through the mobile radio network4. In this case, these means are preferably integrated in the GSMprocessor 20 instead of in the communication controller 21/16.

As already mentioned, the SIM card 2 is connected to the mobile radionetwork 4, for example to a GSM network, when it is inserted in themobile apparatus 1. A SIM server 5 for administering short messages(SSC, Short Message Service Center) is likewise connected to the network4; the SIM server 5 is equipped in such a way that it can communicatewith the SIM card 2 over the mobile radio network 4 by means of specialSMS and/or USSD short messages. Known filter means in the SIM server andin the SIM cards permit carrying out special services, such as theexchange of the files, instructions, and programs between the SIM serverand a SIN card. The SIN server is operated by a SIM operator who, as arule, also manages the communication network 4.

A TTP server 7 is likewise connected to the SIM server 5 for encryptingat least certain special short messages and thereby to guarantee thatthe confidentiality, authenticity of identity, authenticity ofinformation, integrity, and undeniability of the origin are ensured. Apoint-to-point server 6 may also be utilized to encode or decodeencrypted short messages with a point-to-point method.

The SIM server is furthermore preferably connected to an OpenCardplatform 8 in order to be able to use the SIM card in an OpenCard systemas well. The OpenCard system is a standardized system proposed byInternational Business Machines Corporation, Inc., Netscape, NCI, andSun Microsystems Inc., which allows the interconnection of differentchip cards on different hardware and software platforms. The mobileapparatus 1 according to the invention and the SIM card 2 according tothe invention can thereby also be utilized in an OpenCard-compatibleenvironment, for example in an NC network (Network Computer). Javaapplets downloaded from a platform 8 and through the network 4 may thenbe run by the processing means 20, 21 or transmitted on by the latterthrough the interface 31, 31′ to an outside device 3, 3′.

Various service providers and application servers 9 are additionallyconnected to the SIM server 5 for managing diverse value-added services(VAS, Value Added Services). For example, one or more applicationservers 9 may be managed by a financial institution in order to be ableto carry out money transactions with the mobile apparatus 1.

The chip card 2 according to the invention preferably contains severalprivate and public electronic keys which permit access to the OpenCardplatform and to several services 8, 9. Electronic keys may also beprovided for communicating with outside devices 3, 3′. These variouskeys are preferably stored in a secured memory area of the GSMcontroller 20 and/or of the communication controller 21. Thus, the usercan reliably identify himself in several systems and for variousservices.

We shall now discuss six different functional modifications of themobile apparatus according to the invention. A certain mobile apparatus1 having a certain chip card 2 can, depending upon equipment and loadedapplication software, carry out either all or only some of these modesof function.

1) Independent feeding of the inductive interface, no functional linkingto the GSM microcontroller 20.

In this case, the communication controller 16 or 21, respectively, isinductively fed by the outside device 3′ or by means of the insidestorage battery 17 or 26, respectively. It is not permanently logicallylinked to the GSM microcontroller 20. The outside device can feed thecommunication controller and the antenna 15 to read identification dataor electronic keys in the memory area of the communication controller,for example. The infrared interface 14 is not used. This mode may beuseful, for example, in order to make use of the likewise switched-offmobile apparatus as an electronic key with an admittance-checkingdevice.

If the GSM microcontroller 20 is again fed, logical data, for exampleuser data or configuration data, can again be exchanged between the twocontrollers. An electronic key with a TTP-secured document, for example,can thereby be transmitted by the network 4 to the chip card 2, receivedand stored by the GSM controller 20, and used by the communicationcontroller 16 or 21, even if the GSM functions of the mobile apparatusare not available during such use.

2) Independent feeding of the inductive interface, functional linking tothe GSM microcontroller 20.

Similarly, in this case the communication controller 16 or 21 is alsofed inductively by the outside device 3′ or by means of the insidestorage battery 17/26. The infrared interface is likewise not used.However, the communication controller is permanently logically connectedto the GSM microcontroller 20. Through the interface 31′, thetransmission process can thereby also make use of the data in the memoryarea of the GSM controller 20 and the functions of this controller andof the mobile apparatus. For example, data elements can be received viathe interface 31′, the signature be checked, and these data elements befurther processed by the GSM processor and/or be forwarded on.

3) Feeding of the inductive interface with the mobile apparatus.

The communication controller 16/21 and the inductive/electromagneticinterface 15 are fed by the main battery of the mobile apparatus 1. Theinfrared interface is not used. Data and programs can thereby beinductively transmitted over greater distances. There is preferably apermanent link between the GSM controller 20 and the communicationcontroller 21.

If the feed inside the apparatus fails, for example if the batterieshave run down or if the mobile apparatus is switched off, the first modeis preferably activated automatically.

4) Independent feeding of the inductive interface, infrared interfaceactive.

The infrared transceiver 14 and the communication controller 16/21 areboth fed by the main battery of the mobile apparatus 1. The inductiveinterface 15 is used only if it is fed by an outside device 3′. There ispreferably a permanent link between the GSM controller 20 and thecommunication controller 21.

This mode is preferably activated by the user for communicating withoutside infrared-capable devices 3. It is sensible, however, if thismode is not activated by default.

5) Feeding of the inductive interface by means of the mobile apparatus,infrared interface active.

This mode is a combination of modes 3 and 4. Data can be transmittedover longer distances between the mobile apparatus 1 and an outsidedevice 3/3′ either simultaneously or via the inductive and via theinfrared interface. There is preferably a permanent link between the GSMcontroller 20 and the communication controller 21.

6) Transparent mode

The GSM controller 20 and the communication controller 21 arepermanently logically connected. After a connection has been establishedwith an outside device 3 or 3′, either via the infrared interface 31 orvia the inductive interface 31′, the data are transmitted transparentlyover the mobile radio network 4. It is thereby possible to establish viathe mobile apparatus 1 a transparent data flow in both directionsbetween the SIM server 5 and an outside device 3, 3′.

The outside device 3 or 3′, respectively, may be formed, depending onthe application, by any desired apparatus provided with a transceiver 30or 30′, respectively, which permits communicating directly via infraredor inductively/over radio waves, respectively, with the mobile apparatus1, without making use of the mobile radio network. In the simplest case,the outside device 3, 3′ may consist of a further mobile apparatusaccording to the invention. Thus the invention allows any desired typeof data or programs to be exchanged which are stored on the SIM cards ofthe two mobile apparatus. Depending upon the type of SIM card anddepending upon the management programs of these two cards, it is forexample possible to transmit or to copy programs and/or data from onecard to the other. If the card contains a sum of money from which thecommunication fees are deducted, it is also possible with a suitablecommunication program to transmit some or all of the remainder from onecard to the other and thus to load a chip card with the sums availableon another card.

In one application modification of the invention, the outside device 3,3′ is formed by a computer or a terminal provided with a transceiver 30or 30′, respectively. In this case, the device 3, 3′ is preferablyprovided with data-entry means, not shown, for example with a keyboard,and with data-display means, not shown, for example with a display(screen). The device 3, 3′ may furthermore be connected to acommunication network, not shown, for example via a modem, not shown, toan “Internet” or “Intranet” network, or to any type of fixed or mobilecommunication network. Data or programs entered in the device 3, 3′ maythen be copied to the chip card 2 via the interface 31, 31′, in theopposite direction, the data stored on the card may be transmitted tothe display of the device 3, 3′ and indicated there.

An interactive dialog, consisting of a sequence of communications ineach direction, is likewise possible between the chip card 2 and acomputer 3, 3′. A possible application of such a dialog relates to thechoice of an option in a menu indicated on the display of an outsidedevice 3, 3′ with the aid of the mobile telephone. In this case, thedisplay of the device 3, 3′ displays a menu, for example a list ofproducts proposed for sale or of information. The user of a mobileapparatus 1 according to the invention can control the position of acursor in this menu through actuation of the cursor-movement keys 13 onthe keypad of his mobile telephone. The cursor-movement instructions aresent to the device 3, 3′ with the aid of the interface according to theinvention. The user actuates a confirmation key, for example the # key,on his keypad to declare the chosen menu option valid, for example toorder a product. The confirmation command is transmitted in the same wayto the device 3, 3′, which then executes a routine corresponding to thechosen option. The routine executed may for example comprise theestablishment of a communication with the supplier, as well as thetransmission of the order to this supplier. In one modification, theroutine executed upon confirmation of a menu option comprises thesending of a reply through the interface 31, 31′ to the chip card 2, forexample an identification code of the chosen product. At least some ofthe data contained in this reply, for example the identification code ofthe product ordered, are then stored on the chip card 2. The applicationprogram loaded on the chip card may then, for example, send the productsupplier a communication, for example a short message (Short Message SMSor USSD message) containing this product identification code. Variousother possibilities of product orders are described, among other things,in the above-mentioned patent application WO 98/28900.

The mobile apparatus according to the invention may naturally also beused not only to control the position of an object but also to controlseveral properties, e.g., position, color, shape, function, visibility,etc., of one or more objects.

In the case where the menu on the display of the device 3 corresponds toan “Internet” or “Intranet” page which is displayed by a suitable“browser,” for example, the communication between the chip card and thedevice 3 preferably contains instructions in the JAVA language(registered trademark of SUN MICROSYSTEM), which can be directlyinterpreted by the said “browser.” Conversely, it is likewise desiredthat the processing means 20, 21 comprise a Java interpreter in order tobe able to execute instructions in the JAVA language. Other preferablyobject-oriented languages, such as Corba or C++, for instance, mightalso be used.

The outside device 3, 3′ may, for instance, also be a POS apparatus(Point of Sale), for example an automated teller machine or a cashier'sdesk in a shop. In this case, the direct communication can make itpossible, for example, with the aid of the interface 14, 15, to reloadthe sum of money loaded on the chip card 2 from the POS. The advantageis that the SIM card can be reloaded without having to be extracted fromthe mobile apparatus 1 and without setting up a connection subject tocharge through the mobile radio network 4. A financial transaction maylikewise take place in the other direction, by charging the sum of moneystored on the chip card 2 with a given amount and by direct transmissionof the amount charged with the aid of the contactless interfaceaccording to the invention to the outside device 3, 3′, for example toan automatic machine or to the POS apparatus in a department store. Atransaction in a shop equipped with POS apparatus 3, 3′ which areprovided with interfaces 30 and/or 30′ for communicating with the chipcards according to the invention may thus comprise the following steps:

-   -   direct transmission of the amount to be paid via the POS        apparatus 3/3′ and via the interface 31/31′ to the chip card 2,    -   intermediate storage of this amount in the processor 20 of the        SIM chip card,    -   execution of a routine by the microcontroller 20 so that the        amount to be paid is indicated on the display 12 of the mobile        apparatus 1,    -   upon agreement with the number displayed, confirmation of this        amount by the customer, for example by pressing the # key.    -   direct transmission of the confirmation command to the device 3,        3′ with the aid of the interface 30, 30′.

The amount to be paid may, for example, be charged immediately to thesum of money stored on the chip card 2. If the sum of money on the card2 suffices for settling the transaction, the transaction amount may becharged to the card and packed in a document which is transmitted viathe contactless interface to the device 3, 3′. These various connectionspreferably take place signed and encrypted by the above-mentioned TTP orPTP signing and encryption means.

In one modification, the transaction amount may be transferred by anybanking or financial institution at which the subscriber is a customerto a bank account of the owner of the device 3. For this purpose, incase of the confirmation of the amount indicated on the display 12, theprogram loaded on the chip card 2 may contain an instruction for sendingout by the mobile apparatus 1 or by the device 3, 3′ to a server 9 of afinancial institution an SMS or USSD short message containing a chargeinstruction.

The outside device 3, 3′ may also take the form of anadmittance-checking device which permits checking the coming and goingat a protected location, for example in a factory or within theenclosure of an amusement park. For this application, the chip card 2may be loaded with an electronic key stored in the memory. In order toobtain admittance to a protected zone, it is therefore necessary for adirect communication to be established between the chip card 2 and thedevice 3, 3′ with the aid of the interface 31, 31′. Admittance to theprotected location is then permitted only if it turns out after thiscommunication that the electronic key stored in the card 2 is correctand gives its owner the right to penetrate into the protected zone. Inthis application, it is advantageous for the communication controller 16or 21, respectively, be able to function electrically independently ofthe mobile apparatus 1 so that admittance then becomes possible even ifthe batteries of the mobile apparatus 1 are discharged.

The use of the resources variously carried out may be subordinated tothe payment of a fee. A counter integrated in the SIM card may, forexample, count the number of uses of one of the interfaces 14 or 15 anddetermine a fee from that number. The fee may also be dependent upon theduration of use if the chip card integrates a time-measuring device. Thefee to be paid may then periodically either be charged to a moneyaccount of the card or packed in SMS or USSD billing documents which aretransmitted signed and encrypted to a server 9 of a financialinstitution and then charged to an account of the user at thatinstitution.

1. A communication device comprising: a chip card comprising: dataprocessing means which make possible the storage of data containing atleast identification data of a subscriber of a telecommunicationnetwork; electrical contacts on the surface of the chip card which makepossible the exchange of data between the processing means and a mobileapparatus into which the chip card can be removably inserted; acommunication controller for controlling the direct exchange of data viaa contactless interface integrated into the mobile apparatus between thechip card and, relative to the mobile apparatus, an outside devicewithout making use of the mobile radio network during the data exchange;and a power storage for providing power to the communication controllerwhen a battery of the mobile apparatus is exhausted or when the mobileapparatus is switched off.
 2. The communication device according toclaim 1, wherein the communication controller can activate a serial datatransmission via the contactless interface.
 3. The communication deviceaccording to claim 1, further comprising encryption means in order tomake possible the transmission of encrypted data via the contactlessinterface.
 4. The communication device according to claim 1, furthercomprising signing means in order to make possible the transmission ofsigned data via the contactless interface.
 5. The communication deviceaccording to claim 1, wherein one or more private and public electronickeys are stored in a memory area of the card, by means of which keys thechip card can access secured applications through the telecommunicationsnetwork.
 6. The communication device according to claim 1, wherein oneor more private and public electronic keys are stored in a memory areaof the card, by means of which keys the chip card can access secured,relative to the said mobile apparatus, outside devices through thecontactless interface.
 7. The communication device according to claim 1,further comprising program means in order to make possible transparentdata transmission between the contactless interface and thetelecommunication network.
 8. The communication device according toclaim 1, wherein at least one of the communication controller and thedata processing means comprise a Java interpreter for executinginstructions in the JAVA language.
 9. The communication device accordingto claim 1, wherein the communication controller, the contactlessinterface, and the power storage are arranged to form an RFIDtransponder and wherein the outside device is an RFID transceiver.
 10. Achip card comprising: a data processing unit configured to store datacontaining at least identification data of a subscriber of atelecommunication network; electrical contacts on the surface of thechip card configured to exchange data between the data processing unitand a mobile apparatus into which the chip card can be removablyinserted; a communication controller configured to control the directexchange of data via a contactless interface integrated into the mobileapparatus between the chip card and, relative to the mobile apparatus,an outside device without making use of the mobile radio network duringthe data exchange; and a power storage configured to provide power tothe communication controller, the power storage configured to beinductively charged by the outside device.
 11. The chip card accordingto claim 10, wherein the communication controller, the contactlessinterface, and the power storage are arranged to form an RFIDtransponder and wherein the outside device is an RFID transceiver. 12.The chip card according to claim 10, wherein the communicationcontroller can activate a serial data transmission via the contactlessinterface.
 13. The chip card according to claim 10, further comprisingan encryption unit configured to transmit encrypted data via thecontactless interface.
 14. The chip card according to claim 10, furthercomprising a signing unit configured to transmit signed data via thecontactless interface.
 15. The chip card according to claim 10, whereinone or more private and public electronic keys are stored in a memoryarea of the card, by means of which keys the chip card can accesssecured applications through the telecommunications network.
 16. Thechip card according to claim 10, wherein one or more private and publicelectronic keys are stored in a memory area of the card, by means ofwhich keys the chip card can access secured, relative to the said mobileapparatus, outside devices through the contactless interface.
 17. Thechip card according to claim 10, further comprising a program unitconfigured to transparently transmit data between the contactlessinterface and the telecommunication network.
 18. The chip card accordingto claim 10, wherein at least one of the communication controller andthe data processing unit comprise a Java interpreter configured toexecute instructions in the JAVA language.